With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 20%10 of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event you are diagnosed with a covered Critical Illness11, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $50,000.

This comprehensive coverage is available at a monthly premium rate of only $1.09 per $100 of the daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additionalcharge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast – contact us for details if you are a resident of Canada, and are at least 18 and under 70 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

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To be eligible for the 1,250 bonus SCENE points, an eligible purchase must be posted to the new SCENE Visa Student account (“Account”) within 2 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will be awarded within 2-3 business days of the first purchase posted to the Account, provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Only one welcome bonus is awarded per SCENE Visa Account. In cases where both the primary and supplementary cardholders are SCENE members, the bonus points will be credited to the SCENE membership account that has been connected to the SCENE Visa card. Offer applies only to new Scotiabank credit card accounts approved by June 30, 2019. Former or current Scotiabank credit cardholders of any kind in the past 2 years, including those that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account, are excluded from this Offer.

There is currently no annual fee for the primary card and no fee for each additional supplementary card.

The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or extended and cannot be combined with any other offers.

2

SCENE Visa cardholders will earn points for purchases made with their SCENE Visa card (“Card”). A Card must be connected to a SCENE membership account to earn points on purchases made on the Card. Points are not awarded for cash advances, balance transfers, Scotia Credit Card Cheques, returns, refunds or other similar credits, payments fees, interest, service or transaction charges on the Card. Some conditions and limitations apply. Visit www.scotiabank.com/scenevisa for complete details.

3

Registered trademark of Cineplex Entertainment LP, used under license.

4

Maximum points per transaction are 300. Maximum daily points are 600.

5

Starting April 17, 2019, earn and redeem more SCENE points for movie tickets. Redeem: SCENE members can redeem 1,250 points for a free adult general admission or 3D movie ticket in a regular auditorium, 2,000 points for free a Premium movie ticket (i.e. all feature films [including those in 3D] in UltraAVX, IMAX, ScreenX and 4DX auditoriums or D-BOX seating), and 2,500 points for a free VIP Cinemas™ movie ticket. Earn: 125 SCENE points will be issued per adult general admission or 3D movie ticket in a regular auditorium, 200 SCENE points will be issued per adult transaction for a Premium movie ticket, and 250 SCENE points will be issued per adult transaction for a movie ticket in VIP Cinemas™. SCENE points will be issued on a maximum of two adult admission tickets per day. Restrictions apply. See scene.ca/updates for details.

6

For current rates and information on fees and interest cost, call 1-888-882-8958. Interest rates, annual fees and features are effective as of January 23, 2017 and are subject to change without notice. Learn more about credit card fees and interest rates.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105

9

Scotia Credit Card Protection is a group insurance policy underwritten by Chubb Life Insurance Company of Canada. All coverage is subject to terms and conditions including limitations and exclusions which are outlined in the Certificate of Insurance which you will receive upon enrolment.

10

20% of your outstanding credit card account balance for up to 10 months up to a maximum of $5,000 per month and a total maximum of $50,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.

11

Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 70. Life coverage terminates at age 80.